Fremont County · Uninsured and underinsured motorist
Cañon City Motorcycle UM/UIM Lawyers
Cañon City motorcycle um/uim lawyers for riders hurt in Cañon City. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Has No Insurance, or Not Enough
McCormick & Murphy are Cañon City motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Fremont County Combined Courts.
Motorcycle crashes on Royal Gorge Boulevard, U.S. Highway 50, and 9th Street sometimes involve a driver who carries no liability insurance at all, or who carries limits far too low to cover a rider's injuries. When that happens, the rider's own uninsured or underinsured motorist coverage may come into play. Whether it applies, and how much is available, depends entirely on the language of the rider's own policy.
We do not assume every motorcycle policy includes UM or UIM coverage, and we will not guess at a dollar limit before we have read the policy. Some riders carry this coverage without realizing it. Others have declined it or carry limits that will not fully address a serious injury claim. The first step in any UM/UIM case is finding out exactly what the policy says.
Once we know what coverage exists, we work to show the insurer why the claim is worth what we say it is worth. That means presenting the crash facts, the injuries, and the losses clearly, and pushing back when an insurer undervalues a claim.
Building the UM/UIM Claim
A UM or UIM claim still starts with proving what happened on the road. Scene evidence from the crash location, whether that's Florence, Lincoln Park, or along U.S. Highway 50, along with police reports, photos, and witness accounts, helps establish that the at-fault driver caused the crash. That proof matters just as much when the claim is against a rider's own insurer as it would against another driver's.
Medical records from CommonSpirit St. Thomas More Hospital or other providers document the injuries and tie them to the crash. We gather this evidence and present it to the insurer to support the value of the claim under the policy's UM or UIM terms.
- Any information you have about the other driver, even partial
- Police report and crash report number
- Photos of the scene, your bike, and your gear
- Your own auto insurance policy documents
- Medical records and bills from treatment
Handling UM/UIM Claims From Cañon City
We work with riders throughout Fremont County, including crashes near Royal Gorge Boulevard, 9th Street, and the Highway 50 corridor connecting Cañon City to Florence. If a claim requires filing suit, Fremont County Combined Courts is the local venue, though many UM/UIM disputes are resolved directly with the insurer before that step.
Our office is at 301 N. Main Street in Pueblo, and we regularly handle motorcycle claims arising in Cañon City and the surrounding area. If your own insurer denies a UM/UIM claim or handles it in a way that seems unfair, our insurance bad-faith page explains how we evaluate that kind of conduct.
What a UM/UIM Claim May Cover
- Medical treatment tied to the crash
- Lost income from time away from work
- Pain and physical limitations from the injury
- Damage to the motorcycle and gear
- Future medical needs related to the crash
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Cañon City — and read client testimonials.
A pickup hit me from behind on Hwy 50 east of Pueblo. The insurer offered $2,600. McCormick & Murphy helped with treatment, filed suit, and the case settled at mediation for $165,000.
C. O., Pueblo · Highway 50 crash
Prior results do not guarantee a similar outcome. Every case depends on its facts, coverage, venue, and evidence.
Cañon City Motorcycle UM/UIM Lawyers FAQ
Do I need Cañon City motorcycle um/uim lawyers after a crash?
Call Cañon City motorcycle um/uim lawyers when you were hurt, fault is disputed, or an insurer delays, denies, or offers less than the medical bills. The nearest office is at 301 N. Main Street, Pueblo, CO 81003.
Does my motorcycle policy automatically include UM or UIM coverage?
Not necessarily. Some riders carry it, others have declined it or carry limits that may not fully cover a serious injury. We review the actual policy language before assuming anything.
What if the at-fault driver fled the scene?
A hit-and-run crash often turns into a UM claim if the driver can't be identified. Any information you have, even partial, along with the police report, helps us evaluate coverage.
The at-fault driver has insurance, but not enough. What now?
That's an underinsured motorist, or UIM, situation. If the at-fault driver's liability limits don't cover your losses, your own UIM coverage may make up part of the difference, depending on your policy.
My insurer denied my UM/UIM claim. Is that bad faith?
Not automatically. A denial or a low offer can be a legitimate coverage dispute or it can reflect unfair claim handling. We look at how the insurer handled the claim and can walk you through what that means on our insurance bad-faith page.
Do I need to notify my insurer right away after the crash?
Insurance policies generally require timely notice, and we don't want you relying on guesswork about deadlines. Contact us so we can review your policy and help you handle notice correctly.
Discuss a Cañon City motorcycle crash
Free consultation. No attorney fee unless we recover for you.